HVAC Financing in St. Paul & Minneapolis, Minnesota

At Total Comfort, we understand that unexpected repairs, replacements, or other forms of heating and cooling services can be challenging to pay for upfront. That is why we offer HVAC financing options to all of our customers in the St. Paul and Minneapolis area. When you are in need of services, rest assured that you can make payments at a time that fits your needs and budget.

Buy Today, Pay Over Time

When you hire Total Comfort, you can receive your service today and pay later. We offer financing options for all of our services for your home. Some benefits of financing include:

Financing on any major repair or replacement
Monthly payments to fit your budget
Online account management and bill payment options
Special terms promotions available (ask for details)

Upgrade Financing

Upgrade is a financing company that gives you the power to pay your bills on a monthly basis. When you finance through Upgrade, with credit approval and a minimum monthly payment plan, you have the chance to receive various plans and benefits.

Ready to create an HVAC monthly payment plan that meets your budget? Apply now and set up your plan. If you need more assistance or information with our financing options, contact us today by calling 612-261-0974 and speak to one of our team members.

Apply for Financing

Loans are subject to credit approval. Home Improvement Loans offered through Upgrade are made by Cross River Bank, Member FDIC, Equal Housing Lender. Upgrade, Inc. (NMLS #1548935) holds the following state licenses.

These loan terms are not guaranteed and are subject to our verification and review process. Applicants may be asked to provide additional documents to enable us to verify their income and their identity. For loans that charge interest, this rate includes an Autopay APR reduction of 0.5%. By enrolling in Autopay, borrowers' payments will be automatically deducted from their bank account. Selecting Autopay is optional. If you are eligible for credit union membership, you may be required to join a credit union to receive the APR shown. Subsequent charges and fees may increase the cost of the loan. There is no fee or penalty for repaying a loan early. For more information, applicants should refer to the applicable Borrower Agreement and TILA Disclosure.

Loans may be disbursed in one or more advances. These loan terms are estimates based on the assumption that the loan is disbursed in a single advance upon execution of the Borrower Agreement. Actual loan terms may vary depending on, among other things, the exact number of advances, the amount of each advance, and the date on which each advance will occur.

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